The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,563
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,985
−HK$429/mo
Today · 4.125%
HK$14,414
baseline
▲ 0.50% · 4.625%
HK$15,291
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,828/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,089
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,493
−HK$411/mo
Today · 4.125%
HK$15,904
baseline
▲ 0.50% · 4.625%
HK$16,742
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,808/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,276
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,782
−HK$514/mo
Today · 4.125%
HK$17,296
baseline
▲ 0.50% · 4.625%
HK$18,349
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,592/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,107
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,592
−HK$493/mo
Today · 4.125%
HK$19,085
baseline
▲ 0.50% · 4.625%
HK$20,091
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,170/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,988
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$600/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,228/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,124
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$575/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,414
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,173
−HK$771/mo
Today · 4.125%
HK$25,944
baseline
▲ 0.50% · 4.625%
HK$27,523
+HK$1,579/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,888/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,160
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,888
−HK$739/mo
Today · 4.125%
HK$28,627
baseline
▲ 0.50% · 4.625%
HK$30,136
+HK$1,509/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,254/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,831 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).